The RAM was waaayyy UNDERCLOCKED at 2.9GHz. Even still, I gave it a voltage boost, and still no dice. Something, whether it be hardware or software, just did not want me to go past 2.8 GHz on the CPU with 4 gigs of RAM.
Like I said, I removed the one stick, and am OCing just fine. Currently at 3.6 GHz, like I mentioned. As of this moment, Prime95 has been running small FFTs for 8 hours exactly, and has yet to show an error. I doubt I'll need to do anymore tweaking. Just incase, though, I'm going to let small FFTs run for at least two more hours, then run large FFTs for at least 8, and blend for another 8.
Overall, I'm glad I was able to get up to 3.6 GHz. Running the RAM in dual channel may have netted me a maximum of 10% more overall performance, but I think the increase in the CPU will more than make up for that. I ran 3dMark06 with my former settings (2.8GHz and 4gig), and got 12865. I'll run it with my new settings and see what I pull.